Scale & Sustainability

The Business Ownership Initiative (BOI), an initiative of the Economic Opportunities Program, works to build understanding and strengthen the role of business ownership as an economic opportunity strategy.

We work closely with micro- and small business practitioners and the institutions that invest in them around the US to build knowledge and strengthen practice by exploring innovation, conducting research, evaluating new ideas, and supporting leaders. The initiative houses EOP’s longstanding work to support the US microenterprise development industry. BOI also serves as a resource to donors and investors interested in microenterprise in the United States.

Findings from the Scale Academy – Forging Ahead: Early Lessons
Publications

Findings from the Scale Academy – Forging Ahead: Early Lessons

Achieving greater scale has been one of the primary challenges facing the microenterprise industry for more than a decade.

FIELD Forum Issue 21 – Building Sustainability by Increasing Earned Revenue
Publications

FIELD Forum Issue 21 – Building Sustainability by Increasing Earned Revenue

The third forum in FIELD’s sustainability series explores how ACEnet (the Appalachian Center for Economic Networks) is using earned income as a strategy to achieve greater sustainability.

FIELD Forum Issue 20 – Capital Structure: Getting it Right to Increase Sustainability
Publications

FIELD Forum Issue 20 – Capital Structure: Getting it Right to Increase Sustainability

This forum, the second in FIELD’s sustainability series, examines how Justine Petersen, an organization in St. Louis, Mo., is pursuing equity capital as part of a scale-up and sustainability strategy.

FIELD Forum Issue 19 – Blazing a Trail to Sustainability Through Social Enterprise: A Case Example
Publications

FIELD Forum Issue 19 – Blazing a Trail to Sustainability Through Social Enterprise: A Case Example

This forum focuses on social enterprises as a way for microenterprise programs to increase their sustainability.

Pursuing Sustainability in the Microenterprise Field
Publications

Pursuing Sustainability in the Microenterprise Field

An exploration of current research and writing on the issue of sustainability in the microenterprise field.

FIELD Forum Issue 18 – Understanding National Lending Trends and Local Markets: The Role of Market Research
Publications

FIELD Forum Issue 18 – Understanding National Lending Trends and Local Markets: The Role of Market Research

If for-profit lenders succeed in taking away the microenterprise field’s lowestrisk customers, this will raise costs and loss rates, making the path toward self-sufficiency in lending even more difficult.

Scaling Up, Achieving More
Publications

Scaling Up, Achieving More

Explores the various factors that affect an organization’s ability to reach scale and offers recommendations for funders interested in this issue.

Staying Connected: Building Entrepreneurial Networks
Publications

Staying Connected: Building Entrepreneurial Networks

Volume six of FIELD’s Best Practice series explores the ways in which “networking” can be supported by microenterprise assistance programs.

Scaling up Microenterprise Services
Publications

Scaling up Microenterprise Services

This 125-page volume summarizes the experience of eight organizations that spent two-years exploring ways to expand the scale of their services and their client base.

FIELD Forum Issue 13 – Marketing Strategies for Scale-Up: FIELD’s Grantees Share Their Experiences
Publications

FIELD Forum Issue 13 – Marketing Strategies for Scale-Up: FIELD’s Grantees Share Their Experiences

How can U.S. microenterprise programs expand their outreach and serve ever-larger numbers of emerging entrepreneurs with business development and financial services?

Credit Evaluation Grids for Microenterprise Lenders
Publications

Credit Evaluation Grids for Microenterprise Lenders

This publication details the use of credit evaluation grids, a tool that can dramatically streamline and standardize the process of underwriting microenterprise loans.

FIELD Forum Issue 5 – New Grant Cluster Focuses On: Achieving Scale
Publications

FIELD Forum Issue 5 – New Grant Cluster Focuses On: Achieving Scale

Eight organizations recently were awarded two-year, $100,000 grants by FIELD to test promising approaches for achieving scale in the microenterprise services they offer.

About the Business Ownership Initiative

The Business Ownership Initiative, an initiative of the Economic Opportunities Program, works to build understanding and strengthen the role of business ownership as an economic opportunity strategy.

About the Economic Opportunities Program

The Aspen Institute Economic Opportunities Program advances strategies, policies, and ideas to help low- and moderate-income people thrive in a changing economy.

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More from the Business Ownership Initiative

Metrics that Matter: Improving Financial Analysis of CDFI Small Business Lenders
Podcasts Videos

Metrics that Matter: Improving Financial Analysis of CDFI Small Business Lenders

CDFI boards, leadership teams, investors, and regulators have long relied on a familiar set of financial metrics to assess organizational performance.

From Crisis to Continuity: Optimizing CDFI Capital and Partnerships for Natural Disaster Response
Publications

From Crisis to Continuity: Optimizing CDFI Capital and Partnerships for Natural Disaster Response

Traditional emergency aid through SBA or FEMA takes time, and lower-income communities often face significant approval hurdles. Speed is essential to business survival.

The New Era of Small Business Finance: Access, AI, and Accountability (Highlight reel)
Videos

The New Era of Small Business Finance: Access, AI, and Accountability (Highlight reel)

VIDEO — Highlight reel from “The New Era of Small Business Finance: Access, AI, and Accountability,” a forum hosted by the Aspen Institute’s Business Ownership Initiative and the Responsible Business Lending Coalition on March 5, 2026.

The Changing Role of Small Business Ownership
Videos

The Changing Role of Small Business Ownership

VIDEO — This discussion is the first of three that took place as part of “The New Era of Small Business Finance: Access, AI, and Accountability,” a forum hosted by the Aspen Institute’s Business Ownership Initiative and the Responsible Business Lending Coalition on March 5, 2026.

Main Street Challenges and Policy Solutions
Videos

Main Street Challenges and Policy Solutions

VIDEO — This discussion is the third of three that took place as part of “The New Era of Small Business Finance: Access, AI, and Accountability,” a forum hosted by the Aspen Institute’s Business Ownership Initiative and the Responsible Business Lending Coalition on March 5, 2026.

Innovations Driving Small Business Lending Forward: It’s Not All About AI
Videos

Innovations Driving Small Business Lending Forward: It’s Not All About AI

VIDEO — This discussion is the second of three that took place as part of “The New Era of Small Business Finance: Access, AI, and Accountability,” a forum hosted by the Aspen Institute’s Business Ownership Initiative and the Responsible Business Lending Coalition on March 5, 2026.

To Help Small Businesses Recover From the L.A. Fires, Invest in Community Lenders
Blog Posts

To Help Small Businesses Recover From the L.A. Fires, Invest in Community Lenders

Nonprofit lenders often deploy funds faster than the government but need more capital to meet demand.

Integrating a Job Quality Practice in Community Development Financial Institutions (CDFIs): A Q&A
Publications

Integrating a Job Quality Practice in Community Development Financial Institutions (CDFIs): A Q&A

This Q&A provides insights and lessons from the work of 11 CDFIs that participated in Shared Success, a job quality demonstration led by the Aspen Institute Economic Opportunities Program (EOP).